Many Canadians are looking to travel domestically this summer, and they might not be as protected as they think.

A recent TD Insurance survey conducted by The Harris Poll Canada revealed that nearly three-quarters of Canadians polled plan to travel for pleasure this year, and half of those people plan to visit another province or territory.

But only 51 per cent of those Canadians polled that plan to visit another province or territory plan to purchase travel insurance at all, and even fewer plan to purchase emergency travel medical coverage. 

The number one reason why they don't feel the need to purchase travel medical insurance for their domestic trip? They believe they’re already protected. 

Don’t make assumptions about your coverage 

While provincial or territorial health plans may provide some level of coverage for certain medical services outside of where you live, out-of-pocket expenses for services that aren't covered can add up quickly. 

"Planning for the unexpected is just as important as planning your trip,” says Anthony Ricci, an associate vice president, at TD Insurance. 

“Don't assume your existing provincial or territorial health plan is enough. When travelling outside of your home province or territory, travel medical insurance could fill critical gaps."

What is and isn’t covered when you head elsewhere in Canada will vary. For example, some provinces won’t provide coverage for expensive medical services such as ground and air ambulance transportation. 

Here are some things to keep in mind to help make your travel experience smoother: 

  • Know your coverage gaps. Before you travel, check whether you have adequate coverage for your trip through your credit card, existing insurance provider or employer, and consider topping up your existing coverage if you feel you need more. 
  • Research the area you’re visiting in advance. This will help you know if there are areas to avoid or risks that can impact your safety. 
  • Pack appropriately. Have your documents ready, prescriptions handy and insurance details available. 
  • Keep your home protected. Arrange to stop deliveries to your home that could arrive while you're away, or arrange for a neighbour you trust or family members to keep an eye out and collect any mail.